How to Perform a Vehicle Write-Off Check?

Before you flap your wings and buy that used car, have you checked its history? A quick car history check could save you from buying a vehicle that’s been written off by insurers. Many buyers don’t realise that a car can look fine on the outside but have a hidden past of damage and repairs. This guide will show you exactly how to check if a car has been written off, what it means for you, and why you need to dig deeper than just a basic check.

What is a Vehicle Write-Off Check?

A vehicle write-off check reveals whether an insurance company has declared a car a total loss. This could be due to severe damage, high repair costs, or safety concerns. Write-off checks help buyers avoid dangerous vehicles and ensure they’re paying a fair price.

Why Should You Check If a Car Has Been Written Off?

Skipping this check could land you with a car that’s unsafe, overpriced, or difficult to insure. Here’s why it’s essential:

• Safety First: A written-off car may have hidden damage, even if it looks fine.
• Value Matters: A write-off should be cheaper than a clean-history car—don’t overpay!
• Insurance Costs: Some insurers won’t cover write-offs, while others may charge higher premiums.
• Resale Struggles: Selling a car with a write-off history can be tricky down the line.

How to Perform a Vehicle Write-Off Check

Follow these steps to check if a car has been written off before you commit to buying it.

1. Get the Vehicle Registration Number (VRN)

The VRN is the key to unlocking a car’s history. You’ll find it on the number plate, logbook (V5C), or any official paperwork.

2. Run a Full Vehicle Write-Off Check

Head over to CarOwl’s write-off check and enter the VRN. CarOwl provides:

• Write-Off Category: Confirms if the car is Category A, B, S, or N.
• Repair History: Indicates if repairs were done and to what standard.
• Mileage Verification: Flags any dodgy odometer readings.
• Ownership History: Reveals previous owners and registration changes.

3. Understand the Write-Off Categories

Insurance write-offs fall into four categories:

• Category A: Total destruction—this car should never see the road again.
• Category B: Major damage—parts can be salvaged, but the car itself is a goner.
• Category S: Structural damage—can be repaired, but needs professional work.
• Category N: Non-structural damage—cosmetic or minor repairs needed.

For a detailed breakdown, check out our guide to write-off categories.

What to Do If a Car Has Been Written Off

If the report shows the car has been written off, don’t panic—just follow these steps:

1. Get Proof of Repairs

If it’s a Category S or N write-off, ask for repair documents. If the seller can’t provide them, that’s a red flag.

2. Have It Inspected

Even if repairs were done, get an independent mechanic to inspect the car before you buy.

3. Check Insurance Costs

Some insurers charge more for written-off cars—get a quote before committing.

4. Use the Information to Negotiate

A car with a write-off history should be cheaper. Use this as leverage to negotiate a better deal.

FAQs About Vehicle Write-Off Checks

Still have questions? Let’s clear things up:

Are write-off checks free?

Some free checks exist, but they won’t give you the full picture. CarOwl’s write-off check provides verified, in-depth reports for a small fee.

Can I insure a written-off car?

Yes, but the cost and coverage depend on the write-off category. Some insurers won’t cover Category S or N cars, so check before you buy.

Should I avoid buying a car that’s been written off?

Not necessarily! A well-repaired Category S or N car can be a great deal—but only if you verify its history first.

Final Thoughts

Whether you’re buying your next car or just doing your homework, a car history check is essential. Don’t rely on what the seller tells you—get the facts for yourself. Head over to CarOwl’s write-off check today and make sure you’re getting a fair deal.